Check your level of cover
It's important to check your level of cover to ensure it's adequate for you and your family’s needs.
You can do this by logging in to Member Online, via the Australian Retirement Trust app or check your latest Annual Statement to see the level and type of insurance you have. You’ll also be able to check your insurance premium.
Also, bear in mind the amount and cost of cover may change over time.
Change or cancel your insurance cover
You can apply to increase, reduce or cancel your insurance cover any time through Member Online, by using our Insurance Variation form or by contacting us on 13 11 84.
For full terms, conditions and the applicable premium rate tables refer to the Super Savings Insurance Guide.
How much cover do you need and what will it cost?
If you're unsure, use the insurance needs calculator to determine how much cover you might need. You can also get a quote to see how much your insurance might cost.
Personalising your cover
Keep your insurance cover
If you’re a member whose insurance cover is at risk of being stopped because your Super Savings Accumulation account has not received an eligible contribution over a 12 month period, you can prevent cover stopping by advising us to keep your insurance cover using our online form. You must maintain sufficient money in your account to pay the weekly premiums.
Restart your insurance cover
If you're a member whose insurance cover stopped within the last 60 days because your Super Savings Accumulation account did not receive an eligible contribution over a 12 month period you can restart your cover using our online form.
Transfer your insurance cover
Any insurance you have with your other fund(s) would normally be cancelled when you roll out. However, you may be eligible to transfer insurance cover you may have with your other fund(s) to Australian Retirement Trust. To transfer your existing cover, please complete and return the transfer of insurance cover form.
Make sure you don’t rollover your other super fund/s until you have received confirmation from Australian Retirement Trust that your insurance transfer request has been accepted.
Beneficiary nomination
Who will inherit your super and insurance benefits? It’s not easy to plan ahead in the event that the worst should happen. But, being prepared could make a difficult time a whole lot easier for the loved ones you leave behind. Find out how to make a beneficiary nomination.
Important information
The needs calculator, quote tool and online application are on AIA's website. Their terms of use will apply. Additional insurance is subject to acceptance by the insurer. The date cover starts will usually be the date it is accepted by the insurer. Insurance cover is provided through group life policies for Death and Total & Permanent Disability, and Income Protection, issued by AIA Australia Limited ABN 79 004 837 861. AFSL 230043.